Social Security Questions? Ask a Social Security Expert
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At this point full retirement age is age 66 if you do not want to receive an early retirement penalty. According to Social Security, "You should apply for benefits no more than four months before the date you want your benefits to start." So if you want to apply for September you should probrably start the process in May or June.
You can complete an application for Retirement, Spouse's, Medicare or Disability Benefits online.
If you do not wish to use the online application, or the application for the benefit you want is not available online, you can:
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